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Always assumed that my credit was un-fixable, but after reading through the forums here I'd like to give it a shot. I pulled my EQ report and there are several items listed in a couple different categories. I've been wading through the PFD / DV posts, but I'm not sure I have a solid path to follow. Maybe the community at large can point me in the right direction. I'll list what was found in the report:
NEGATIVE ACCOUNTS
Account Name | Account Number | Date Opened | Balance | Date Reported | Past Due | Status | Credit Limit |
PG&E | XXXXXXXXXXXXX | 07/01/2004 | $0 | 04/01/2009 |
Account Number: | XXXXXXXXXXXXX | ||
Type of Account : | Open | ||
Date Opened: | 07/01/2004 | ||
Date Reported: | 04/01/2009 | Amount Past Due: | |
Date of Last Payment: | 02/2007 | ||
Date of First Delinquency: | 07/2006 | ||
Comments: | Paid collection |
Not really sure why this is on my report unless they are reporting a late payment or something. I currently have service with this utility company and no payment problems.
COLLECTIONS
I.C. SYSTEMS INC | |
Date Reported: | 11/2012 |
Creditor Classification: | Cable/Cellular |
Creditor Name: | AT T |
Accounts Number: | XXXXXXXXXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $176 |
Date of 1 st Delinquency: | 03/2012 |
Balance Owned: | $176 |
Status: | D - Unpaid |
EOS / CCA | |
Date Reported: | 11/2012 |
Creditor Classification: | Utilities |
Creditor Name: | AT T MOBILITY |
Accounts Number: | XXXXXXXXXXXXXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $359 |
Date of 1 st Delinquency: | 11/2008 |
Balance Owned: | $424 |
NATIONWIDE RECOVERY SYSTEM | |
Date Reported: | 12/2007 |
Creditor Classification: | Cable/Cellular |
Creditor Name: | AT T MOBILITY |
Accounts Number: | XXXXXXXXXXXXXXXXXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $1,652 |
Date of 1 st Delinquency: | 08/2006 |
Balance Owned: | $1,652 |
Again, not sure what's up with AT&T. I have current service with them and nothing shows on my account as past due. I cannot fathom a situation in which I racked up almost $2,000 in debt with a phone company over the last 6 years.
ENHANCED RECOVERY CORP | |
Date Reported: | 02/2012 |
Creditor Classification: | Cable/Cellular |
Creditor Name: | COMCAST CABLE COMMUNICATIONS |
Accounts Number: | XXXXXXXXXXXXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $115 |
Date of 1 st Delinquency: | 07/2006 |
Balance Owned: | $275 |
I have never had a Comcast account. Ever. Not sure where this is coming from.
STATES RECOVERY SYSTEMS | |
Date Reported: | 08/2011 |
Creditor Name: | PROFESSIONAL COLL CONSULTANTS |
Accounts Number: | XXXXXXXXXXXXXXXXXXXXXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $1,400 |
Date of 1 st Delinquency: | 12/2006 |
Balance Owned: | $1,400 |
STATES RECOVERY SYSTEMS | |
Date Reported: | 08/2011 |
Creditor Name: | PROFESSIONAL COLL CONSULTANTS |
Accounts Number: | XXXXXXXXXXXXXXXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $595 |
Date of 1 st Delinquency: | 08/2006 |
Balance Owned: | $595 |
I have no idea who these guys are or why they think I owe them almost $2,000.
It's entirely possible that some, if not all, of these debts are legitimate. Where can I go from here? Is it worth it to dispute ones that are so old that I can't remember if I actually had an account with them? Should I just try to negotiate a settlement amount?
I have gotten a handle on paying current bills and keeping up on things like car loans and my _one_ credit card. Now it's time to fix my past.
Thanks for any help...
Amaranth
For future reference, I am the OP (AKA Amaranth).
For some reason when I left and came back to the forums, I had to enter a new username and it wouldn't let me pick my original one. Please address any replies to this account as it seems to be more stable than the last one.
Thanks again for any advice...
J "Amaranth" C
OP, is that your real name? I think you should probably edit your post and take your name out. On the subject of your baddies, from what I read here in the forums, sounds like you need to start with some DV letters but I'll let the credit pros handle this one.
"OP, is that your real name? I think you should probably edit your post and take your name out."
Done and done. Thanks for the heads up.
On the subject of DV letters: With debts so old, would the DV even be considered "timely"? Is that a factor at all?
JC
I'm not sure about that arena. You make a good point-looks like they're all due to fall off sometime in 2013. Are you're willing to wait it out?? Can anyone else chime in here? I'm not 100% sure and I don't want to give incorrect advice.